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PCFG Insurance provides critical support to employees when the unexpected happens — whether it’s an accident, illness or injury. Our program reduces organizational & employee payroll taxes, while offering exceptional benefits.

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Get A Custom Built Benefits Package

Whats Covered

While many people associate group benefits plans with medical coverage, there are many other forms of insurance to consider. Dental, disability, life, vision, and supplemental health plans are all important for employees and their families' health and well-being.

Trailored for your business

PCFG Insurance's benefits packages come with a range of options to make giving benefits simple—you choose the education and enrollment techniques that work best for your company.

Manage Benefits

We make maning your benefits simple and easy with our online service.

Types of Benefits

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Voluntary Benefits

Employee-paid, voluntary benefits are frequently used to supplement standard insurance. Employees can use the money to cover expenses that aren’t covered by their usual insurance, like as bills or everyday expenses.

They assist employees prepare for life’s unexpected obstacles while also enhancing your company’s insurance offers.

Employer Sponsored Benefits

One of the most important advantages of full-time employment these days is the ability to participate in the employer’s group insurance plan. And, as healthcare reform continues to evolve and impact the lives and finances of individuals and families, group benefit coverage through an employment becomes a more desirable perk.

What Are Group Benefits


Group benefits are insurance that covers a group of people who are usually members of societies, employees of a common employer, or professionals in a common group. 

Group coverage helps reduce premium costs because it reduces the insurance carrier’s risk by creating a pool of people to insure who are together for reasons other than obtaining insurance. Group benefits can also be a powerful incentive to keep and attract great employees.

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Enjoy the tax savings

Get a customized plan. Our plans provide your organization & employees tax savings.

Major Types of Group Benefits

Group Health Insurance 
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 

Group Life Insurance
Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance
Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

Group Accident/Supplemental Insurance
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover in the event of an accident or other covered loss.

Group Dental/Vision Insurance
When organizations want to offer the best dental and vision care benefits to attract and retain the best employees they need to work with our group dental and vision experts. We have access to the benefit plans that will keep your group members, employees, and their families healthy. 


Contact us to learn more about the right benefits for your group.

Sign Up and Start Saving

Our program help organization increase employee retention by 78% and reduce payroll taxes, all while not costing the organization or employees any more money.

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